i don't think it's going to change lending. it may change the mix of bank size in the market and who's lending. but i don't think it's going to dry up or decrease lending. >> speaking with a high level executive, i'm going to be coy about this because he didn't want to be named. in a financial business, it's not a big bank but he knows that industry well. we were talking about your bill. and he said the problem with too big to fail bills to break banks up is you're not doing this on an international level. because bank bs compete on an international platform. and when you -- if you try to break up u.s.-based big banks, then they lose their ability to compete internationally. what about that? >> well, a couple things. first of all, we can't -- congress can't pass laws that will have international impact. but the united states can certainly lead. secondly, when you really compare apples to apples and have the same accounting systems, the evidence is that our megabanks are even much larger than european ones on average. so i think